← Enova International, Inc. ENVA
Market Price
$266.94
Market Cap
$6.53B
P/E Ratio
23.17
Revenue (FY 2025)
↑18.6% YoY
$3.15B
3-Yr CAGR: 22.0%
Net Income
↑47.2% YoY
$308.39M
Net Margin: 9.8%
Free Cash Flow
↑18.5% YoY
$1.77B
FCF Yield: 27.14%
EPS (Diluted)
↑55.0% YoY
$11.52
Basic: $12.25
Return on Equity
Efficiency
23.1%
ROA: 8,425.9%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (ENVA)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $745.6M | — | $417.6M | $34.6M | — | $1.03 | — | $393.4M | $379.0M | — |
| FY 2017 | $843.7M | +13.2% | $447.1M | $29.2M | -15.5% | $0.86 | -16.5% | $447.2M | $430.6M | +13.6% |
| FY 2018 | $1,114.1M | +32.0% | $543.1M | $70.1M | +139.7% | $1.99 | +131.4% | $684.8M | $668.8M | +55.3% |
| FY 2019 | $1,174.8M | +5.4% | $571.9M | $36.6M | -47.8% | $1.06 | -46.7% | $848.6M | $828.6M | +23.9% |
| FY 2020 | $1,083.7M | -7.8% | $684.2M | $377.8M | +932.0% | $11.70 | +1,003.8% | $740.9M | $711.4M | -14.1% |
| FY 2021 | $1,207.9M | +11.5% | $570.0M | $256.3M | -32.2% | $6.79 | -42.0% | $471.9M | $442.2M | -37.8% |
| FY 2022 | $1,736.1M | +43.7% | $1,117.6M | $207.4M | -19.1% | $6.19 | -8.8% | $894.0M | $850.4M | +92.3% |
| FY 2023 | $2,117.6M | +22.0% | $1,229.9M | $175.1M | -15.6% | $5.49 | -11.3% | $1,166.9M | $1,121.6M | +31.9% |
| FY 2024 | $2,657.8M | +25.5% | $1,529.4M | $209.4M | +19.6% | $7.43 | +35.3% | $1,538.6M | $1,495.2M | +33.3% |
| FY 2025 | $3,151.7M | +18.6% | $1,830.2M | $308.4M | +47.2% | $11.52 | +55.0% | $1,819.1M | $1,772.0M | +18.5% |
Valuation
Market Price
$266.94
Market Cap
$6.53B
Enterprise Value
$10.95B
P/E Ratio
23.17
P/B Ratio
4.97
FCF Yield
27.14%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
58.07%
Operating Margin
23.46%
Net Margin
9.78%
Return on Equity (ROE)
23.07%
Return on Assets (ROA)
8,425.93%
Asset Turnover
861.11x
Revenue 3-Yr CAGR
21.99%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
3.365
Debt / Assets
1,229.066
Cash & Equivalents
$71.71M
Total Debt
$4.50B
Book Value / Share
$53.72
Cash Flow Efficiency
Operating Cash Flow
$1.82B
Capital Expenditures (CapEx)
$47.14M
Free Cash Flow
$1.77B
OCF / Revenue
57.72%
FCF / Revenue
56.22%
FCF 3-Yr CAGR
27.73%
Per Share Metrics
EPS (Diluted)
$11.52
EPS (Basic)
$12.25
Dividends / Share
N/A
Book Value / Share
$53.72
EPS YoY Growth
55.05%
Balance Sheet (FY 2025)
Total Assets
$3.66M
Total Liabilities
$295.44M
Stockholders' Equity
$1.34B
Current Assets
N/A
Current Liabilities
N/A